FAN, Inc. has payroll due this week, but the construction company for whom FAN just completed a large job has not yet paid its invoice. That payment will be received next Monday. To make payroll this week, FAN issues a short-term debt instrument to Water-Bottles-R-US, who just received payment on their largest order in their history. The debt issued by FAN to WBRU is

a. an assignment.

b. a delegation.

c. commercial paper.

d. an agency relationship.